DISCOVER BANK


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"Products" offered by DISCOVER BANK with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Debt settlement
Other financial service - Refund anticipation check
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - Gift or merchant card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 4269114

Date Received: 2021-04-03

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: To whom it may concern, I am writing you today as an aggrieved man. I applied for a secured DISCOVER card XX/XX/21 after seeing an advertisement on XXXX XXXX website. I was checking my credit scores and the ad popped saying I had a high chance of approval rating. I applied and got approved. I gave DISCOVER permission to debit my checking account for {$200.00} dollars as a deposit. DISCOVER withdrew the {$200.00}. I was contacted shortly after from DISCOVERS verification department. The representative wanted to verify I am who I say I am. I answered all the representatives questions and was verified. The representative advised me my secured DISCOVER card should arrive in a few days. I was then sent an email from DISCOVER card asking me to complete IRS consent form XXXX. I obliged and completed the form. Fast forward to XX/XX/21. I receive an email from DISCOVER card saying they closed my account effective immediately. DISCOVER is now claiming they could not verify personal information. I thought I was already verified multiple times. Didnt DISCOVERs representative advise me I was approved and verified? Didnt the representative advise me that my DISCOVERY card would arrive in a few days? What about my credit score? How is this going to affect my credit score? DISCOVER is also advising me they wont refund my {$200.00} deposit unless requested. Well, I am formally, requesting they refund my {$200.00} deposit post haste. Either by a deposit back into my checking account or if by check in overnight mail. I also request that the check be mailed to XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX. We have had mail stolen at my XXXX XXXX XXXX XXXX XXXX PA XXXX address. DISCOVER owes me a remedy for operating with bad business practices and truly in bad faith.

Company Response:

State: PA

Zip: 19148

Submitted Via: Web

Date Sent: 2021-04-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4269041

Date Received: 2021-04-03

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Discover Bank is reporting an erroneous debt on my credit file that must be removed. I recently looked at my credit file and noticed this debt with them, I immediately called and settled this debt with them. I had no idea that this was on my file, as I never received any calls, notices, or correspondence from them. I ask that they remove the account for not giving me ample time to pay this, or giving me my 30 day right to dispute. The debt is no longer owed and I would like the account removed.

Company Response:

State: UT

Zip: 84020

Submitted Via: Web

Date Sent: 2021-04-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4268856

Date Received: 2021-04-03

Issue: Getting a credit card

Subissue: Problem getting a working replacement card

Consumer Complaint: I had an issue with fraud on my account that took months to deal with and was finally resolved with cfpb, but there is still one more issue. My card kept having late fees and a late balance, but I was not paying them and was told not to since the whole balance on my card was fraud. One agent did not even report the fraud, which is why these late fees were still appearing. Discover claims they notified me that the account was closing, but I never received any documentation due to my mail being compromised. All I would like is for my account to be reopened and sent a new card. I would be willing to open a XXXX XXXXXXXX or have the card sent with some type of signature mailing so I am sure the card will get delivered. I have an excellent payment history with this account and have been using it appropriately before the fraud appeared. I should not be held liable for someone elses actions, so I would like my account reopened with the same credit limit. There is no reason for this due to the whole issue being fraud and Discover failed to provide me with information regarding my account and providing terrible customer service. Also, I was nagged repeatedly to pay a minimum payment of {$35.00} on the account or else my card would be charged off and the agent promised me my account would remain open if I paid this payment and I would be refunded once the investigation was complete. The investigation is now complete and I am not liable for any charges, but my account is closed and I was never refunded the {$35.00}. I dont want to have my credit affected for something that was not my fault and I truly enjoyed being a Discover customer and I loved my card.

Company Response:

State: CT

Zip: 067XX

Submitted Via: Web

Date Sent: 2021-04-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4268581

Date Received: 2021-04-02

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. XX/XX/ DISCOVER, XXXX, XXXX, XXXX

Company Response:

State: IL

Zip: 60636

Submitted Via: Web

Date Sent: 2021-04-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4265682

Date Received: 2021-04-01

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Problem with personal statement of dispute

Consumer Complaint: I am writing to dispute the delinquent payment for Discover Card Services. I have been a creditable card member for over 10 years with a perfect payment track history which you will also see on my attached report. I have always been diligent on keeping low balances and limiting my exposure to debt by paying in full monthly statements. During the past year, the Covid-19 had changed millions of lives, including mine. In XXXX, I was in the process of being furloughed, a position I have held for over 5 years as a XXXX XXXX. This was a very scary time and a stressful one. I wanted to limit my credit cards and charges by reducing my spending as you will see in my activities on my account starting in XXXX. I was unsure of what my future finances would look like and focused on holding on to my job. I am disputing the actions of Discover to my credit score for the following reasons : 1 ) I was unaware of the charges and I did not get any written statements of delay in payments from Discover, instead, I had emails sent that had landed in my spam account, which is why I was uninformed of the open balance. It was only brought to my attention when I had been notified via phone that my account had been compromised with a charge in XXXX, IL. The Discover agent then told me that the card did not go through due to a delinquent account. I was completely surprised and immediately resolved the issue. I paid the interest and total outstanding balance of {$200.00} in full on XX/XX/2021. I also closed my account to alleviate any future risks of payments and charges given my current employment situation. 2 ) When closing the account, I had asked the agent several times to ensure I was in good standing with a paid in full account. She assured me that I was completely paid and also stated I had a credit of {$45.00} in cash rewards ( attached exhibit # 1 ). She stated that Discover would mail me a check which I received and deposited on XX/XX/XXXX ( attached exhibit # 2 ). 3 ) This credit payment by Discover was an accounting error and they reversed my credit to an outstanding balance ( attached exhibit # 3 ), which shows up as an outstanding balance and a late payment with the credit bureaus. There was no follow up communication from Discover that this charge was done in error or any monies was owed back. Since the account was closed out and it was confirmed with XXXX balance, I dont understand why Discover did not reach out to correct their accounting error, instead of created an outstanding balance that reflected on my credit report as a late payment. At this point, I am requesting to take my challenging position last year into consideration and ask for all delinquent payments to be removed and cleared from my credit history including XX/XX/XXXX. I am extremely apologetic for missing one payment over the last 11 years of my partnership with Discover. It was just an unfortunate time for me and as you can see with my good intent, I have resolved all debts immediately when it was brought to my attention. Additionally, due to an accounting error on Discovers end, I am requesting they remove any negative communication to the credit bureaus due to outstanding balance and late payment associate with the {$45.00} balance, which I paid on XX/XX/XXXX when I spoke to the Discover rep. I hope with this good will letter and understanding from the current global situation, I will be relieved from the derogatory charges on my account and credit. For any additional information, please contact me at XXXX. Sincerely, XXXX XXXX

Company Response:

State: NJ

Zip: 085XX

Submitted Via: Web

Date Sent: 2021-04-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4264938

Date Received: 2021-04-02

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: Discover offered me a {$45.00} statement credit for purchasing a XXXXXX/XX/XXXX membership. I followed the terms and condition. They refuse to issue me credit saying that I can not cancel the membership. I canceled because there was issue with my membership. The terms and condition does not say I can not cancel for a valid reason. When I contacted, they throw new conditions at me to refuse the credit.

Company Response:

State: CA

Zip: 90027

Submitted Via: Web

Date Sent: 2021-04-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4262968

Date Received: 2021-04-01

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: To whom it may concern : I am writing to dispute the late payment for Discover Card Services towards my credit. In 2011 or 2016, based on who you speak to at Discover, I was added to the account in error ( Account number : XXXX XXXX XXXX XXXX ). I have requested the contract from Discover to show the status of this joint account and how it was opened, however they do not have a copy or can not provide any evidence. To date, I have not received correspondence in my name from Discover Card regarding this account. This account is owned and managed by my wife, XXXX XXXX. She is the primary card holder and responsible for its debt, she is the only user of this card and manages the payments independently. Even, the payments are made from her single TD bank account ( exhibit # 2 ). I am disputing the following actions taken by Discover towards my credit : 1 ) Discover Card is claiming that this is a joint account between my wife and myself, however Discover has only communicated with my wife directly. When there was time for card renewal, offering and account status, Discover has never sent any communication or correspondence regarding this account in my name, when requested a copy of any communication addressed to me, they have no record. 2 ) When I called Discover to obtain a copy of the documentation for joint account formation and my profile ( which includes my contact information and preferred method of communication ), they were unable to provide any supporting information. This is specially an issue when Discover has a home address on file for both individuals. I would like to point out, that there are rules of fair practices by financial institution ( e.g.XXXX XXXX, XXXX, XXXX XXXX, XXXX ) in how joint account communication is handled, which is that each individual has the right to know about their account and have the provision to decide on their preferred communication channel, Discover has no record or documentation on my behalf. 3 ) Additionally, when my wife closed out the account on XX/XX/XXXX, Discover sent her a credit of {$45.00} in cash rewards ( attached exhibit # 1 ). However, this was an internal accounting error by Discover. Instead of calling to correct the issue, they proceeded to reverse the credit on a closed account, which shows up as an outstanding balance and overdue payment with the credit bureaus. There was no follow up communication from Discover that this charge was done in error or any monies was owed back, however this was admitted by the supervisor ( XXXX ) on XX/XX/XXXX at XXXX XXXX EST, when we called Discover. Since the account was closed out and it was confirmed with XXXX balance, I dont understand why Discover choose to work through credit bureaus versus direct communication with the customer. I have reached out to Discover multiple times, including a 2 hour call on XX/XX/XXXX where I was transferred to XXXX, XXXX, XXXX ( customer protection ), XXXX ( investigations ), XXXX ( supervisor ), XXXX, and ultimately XXXX ( supervisor ) who claimed that this is their process without providing any documentation or supporting evidence about the joint account and required communication by the financial institution to let a joint account owner know about their account. It is hard to believe that a financial institution could hold a person accountable for credit obligations without the individuals knowledge or any communication to them, and yet have the capacity to hurt the individuals credit score at their sole institutional discretion. I continue to request that they remove my name from this account as it should have never been joint, in addition, remove and clear any negative reporting against all 3 credit bureaus immediately.

Company Response:

State: NJ

Zip: 085XX

Submitted Via: Web

Date Sent: 2021-04-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4262760

Date Received: 2021-04-01

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Discovery financial services fraudulent reporting my credit card account 30 days past late for XX/XX/2021 ; the account was never late, I have my credit card with discovery financial services set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that discovery financial services had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with discovery financial services they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the discovery financial services representative told me they were reporting falsely because the program ended in XX/XX/2021 : discovery financial services is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. Discovery financial services have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. Discovery financial services had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.

Company Response:

State: AR

Zip: 716XX

Submitted Via: Web

Date Sent: 2021-04-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4262309

Date Received: 2021-03-31

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: I am extremely disappointed in the service Discover fraud services has provided me. I became a victim of card fraud and reported the fraud as soon as I became aware of it. After being told they would file an investigation and being reassured I would not be held liable, I started to receive calls weeks later questioning my actions in reporting the fraudulent transactions. After several calls with their fraud department and answering the same questions they had asked several times, I was told I was being held liable for the charges as they find no fraud occurred. After requesting to speak with a manager, a fraud analyst advised no investigation was conducted. I was also advised the decision was made based on fraud patterns. I was advised because notifications were sent to me advising of the charges, notifications I didn't receive, and my reporting of the charges 5 days after the fact these charges would not be considered fraudulent. I was also told since the charges were done in stores near my area and at some businesses i have visited in the past, these finds were sufficient to make their decision. I found the circumstantial evidence aspect of the investigation to be very upsetting. No one wanted to hear my side of the story. No one wanted to take the time and actually investigate the charges. Discover simply submit an inquiry to the merchants and the merchants did not respond so they turned to a probability chart and added the charges to my account. I find it upsetting that they would use my area as a probability factor of the charges being authorized. We are in a pandemic, I don't travel and I use my card often. If I lose my card, it is a high probability it will be in my area. Since there were no additional charges on the card, they found it to be strange rather than a blessing no more fraudulent charges were added. Without even hearing my side of things, past the basic questions they kept asking me, or at least advising me of how they came to their conclusion, I received a letter advising me the charges were added to my account and I need to pay for them. I don't know how Regulations work or how credit cards can get away with the advertisement of " Zero Liability '' for fraudulent charges but still charge you, but if that is not a true statement, why advertise it. Especially if the company is not going to do their due diligence in truly investigating the charges. I feel wronged and mad at the fact someone has benefited at my expense. The charges took place XX/XX/2020 {$840.00} at XXXX of XXXX XXXX, CA and XXXX XXXX # XXXX XXXX, Ca. {$110.00}.

Company Response:

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2021-03-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4261266

Date Received: 2021-03-31

Issue: Other features, terms, or problems

Subissue: Problem with customer service

Consumer Complaint: I used Discover card bought some items at XXXX, and I returned some on XX/XX/XXXX and they processed my refund to the discover card that I used to pay for it. The card number is XXXX. The Card was closed in XXXX without any reason by discover. On XX/XX/XXXX, Discover Company sent me the Check {$210.00}. I didnt see the check until XX/XX/XXXX. And I called discover Card company, they said theyll sent me a new check, but I didnt receive the check all the time. In XXXX I called discover company many times, also fax my information to them. they either said they can't find my account or they said they'll call me back, let me wait. But they didn't call me back nor issued me the new check.

Company Response:

State: WI

Zip: 53144

Submitted Via: Web

Date Sent: 2021-03-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.